- Number of Positions : 1
- Number of Application : 6
Job description
A critical role responsible for credit underwriting and risk assessment in the Affordable Housing Finance segment. The Branch Credit Manager will evaluate loan applications, ensure compliance with policies and regulatory guidelines, and support branch sales teams by enabling responsible credit decisions that safeguard portfolio quality.
- Locations : Nandigama
- Experience : 3
- Listing Date : 02-09-2025
- Skills Required : Credit Appraisal & Underwriting | Risk Assessment & Portfolio Monitoring | Regulatory & Compliance Knowledge (RBI/NHB) | Loan Documentation & Verification | Customer & Branch Coordination | Fraud Detection & Prevention | Training & Mentoring | Decision-Making & Analytical Ability | Proficiency in English & Regional Languages (Telugu/Tamil) | MS Office, LOS/LMS, Digital Underwriting Tools | Field Investigation Oversight
- Pay Details : Up to Rs. 5 LPA
- Must Have :
Graduate in any discipline (MBA/CA Inter preferred).
4–8 years of experience in credit underwriting (Affordable Housing Finance or LAP preferred).
Strong knowledge of credit policies, risk management practices, property laws, and regulatory norms.
Willingness to travel across assigned branches/regions.
Key Responsibilities :
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Evaluate and underwrite home loan applications based on income, banking, property, and field investigation reports.
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Approve/recommend cases within delegated authority, ensuring compliance with credit policies.
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Conduct detailed risk analysis, identify red flags, and ensure due diligence in high-risk/deviation cases.
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Ensure accurate documentation of KYC, income, property, and legal papers as per RBI/NHB guidelines.
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Work closely with sales and operations teams to enable timely approvals and disbursals.
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Monitor early delinquencies and provide corrective recommendations to maintain portfolio quality.
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Train sales/branch staff on credit policies, documentation, and fraud prevention.
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Support internal audits, compliance reviews, and regulatory inspections.
